Research On Countermeasure And Operational Transformation Of A City Commercial Bank About The Wholesale Business

Bank is the core of modern finance, the development of bank plays a vital role in the economic development and political stability in countries and regions. In the face of changing the current international financial situation, the wholesale business of A City Commercial Bank Services development is also faced with capital constraints, such as competition, regulatory, business and other prominent severe imbalance problems.Under the current international and domestic economic situation, commercial banks have launched a study of economic capital, expect to achieve from the traditional to the occupation of the high capital, high asset expansion characteristics of the extension of the expansion, "low capital occupied, high capital return" the connotation of quality growth to a fundamental change. And economic capital management in commercial bank budget management, resource allocation and performance assessment play a important role, improve the level of capital management, the effective protection of bank supplementary capital and asset expansion ability, and further enhance the bank’s ability to resist risks.Under the current international and domestic economic situation, commercial banks have launched a study of economic capital, expect to achieve from the traditional to the occupation of the high capital, high asset expansion characteristics of the extension of the expansion, "low capital occupied, high capital return" the connotation of quality growth to a fundamental change. And economic capital management in commercial bank budgetmanagement, resource allocation and performance assessment plays a important role,improve the level of capital management, the effective protection of bank supplementary capital and asset expansion ability, and further enhance the bank’s ability to resist risks.Throughout the international advanced banking practice, we can found that successful commercial banks has strong core competitiveness and mature scientific management system,the establishment of effective response measures of risk and economic capital constraint mechanism, reasonable adjustment of business structure and asset structure, optimize the allocation of resources, improve efficiency in the use of capital. For A city commercial bank,it is necessary to learn from the advanced banks at home and abroad, to establish their own unique and effective risk and capital constraint mechanism, to improve the efficiency of the use of capital.The commercial bank in a city for example, focusing on the public business development under the background of capital constraints facing the problem of business transformation, revealed at this stage a city commercial banks of the status quo of the development of public business, through a combination of theory and practice. It is pointed out that the existing public business in the management of economic capital, such as the mechanism is not perfect, economic capital occupied unreasonable, process management is not in place, matching performance appraisal is not perfect. The status of A city commercial bank, economic capital management were more comprehensive analysis, and puts forward strengthening the concept of economic capital management, perfect the restraint mechanism,increase the economic capital occupied the management of resources distribution optimization of A city commercial bank on public business economic capital management countermeasures. I hope to provide a reference for city commercial banks to develop the wholesale business Banking Services development strategy and Implementation.